It really isn't the least of my worries. If I run a business, I don't want to be accumulating sats that were never there. Even if I gathered up the federation members and forced them to pay me out, in this scenario they may not even be able to.

All federations are another flavor of custodial so there's some things we just have to trust regardless of implementation. Whenever you talk about Fedimint, the trust tradeoffs are minimized as if transparency is inconsequential if they can all federations can rug you. For me I'd like to reduce the number of way I could be rugged and Fedimint seems to be able to do it through the additional mechanisms of opaque server side modules and inflation.